BankBazaar
Credit Cards
Home Loans
Personal Loans
Other Loans
Calculators
Investments

Credit Score

FREE
Govt. Utility Documents
Download App

Download Mobile App

Badge
Insurance
Resources
BankBazaar

Utkarsh Bank SmartGen Credit Card

The Utkarsh SmartGen Credit Card is one of the financial products offered by Utkarsh Small Finance Bank, designed to cater to the evolving needs of modern consumers. With no joining or first-year annual fees, this card ensures affordability while offering 1% cashback on eligible transactions and a 1% fuel surcharge waiver. It comes with secure and flexible spending options, making it ideal for individuals looking for convenience, savings, and financial control. Read on to know more about it.

credit card CTA button

Features and Benefits of the Utkarsh SmartGen Credit Card

The below-listed are some of the features and benefits of the SmartGen credit card:

  1. No annual fee or joining fee: The Utkarsh SmartGen credit card comes with zero annual fee for the first year and no joining fee, making it accessible for new users.
  2. Cashback: With this credit card, you earn a cashback of 1% on all eligible transactions, enhancing the value of your purchases.
  3. Fuel surcharge waiver: With this credit card, you save 1% on fuel surcharge on transactions between Rs. 400 and Rs. 5,000, making your fuel purchases more economical.
  4. Waiver on second-year fee: With this credit card, your second-year fee of Rs. 199 will be waived off if you spend Rs. 50,000 or above in the previous year.
  5. Flexible Spending Limits: Customize your spending according to your financial needs, ensuring better control over expenses.

Eligibility Criteria to apply for the Utkarsh SmartGen Credit Card

The eligibility criteria to apply for the Utkarsh SmartGen credit card are as follows:

  1. The applicant should be a resident of India.
  2. The applicant should be an existing customer of the Utkarsh Small Finance bank with an active current account, savings account, Fixed Deposit (FD) account, or Loan account.
  3. The age criteria for SmartGen credit card are as follows:
  4. Unsecured Credit Card: 21 to 65 years
  5. FD-Backed Credit Card: 18 to 65 years

Documents required to apply for the Utkarsh SmartGen Credit Card

  1. The Utkarsh SmartGen credit card is issued to the existing customer of the Utkarsh Small Finance bank with an active current account, savings account, fixed deposits, or loan account. That is why no additional documents are required to apply for this credit card.
credit card CTA button

Fees and Charges to apply for the Utkarsh SmartGen Credit Card

The fees and charges to apply for the Utkarsh SmartGen credit card are as follows:

Parameter

Charges

Joining fee

Nil

Annual fee

Nil for first yearRs. 4,999 + taxes second year onwardsNote: Annual fee will be waived off on spending Rs. 5,00,000 or above in the previous year.

Add-on card fee

NIL

Late payment fees

Rs. 500

Cash advance Fee

5% or Rs. 500 whichever is higher

Overlimit fees

Rs. 500 or 2.5% of the overlimit amount, whichever is higher

Service charge

Nil

Foreign Currency Surcharge

3% of the value of the foreign currency transaction after conversion to Indian

credit card CTA button

FAQs on Utkarsh Bank SmartGen Credit Card

  • Will I have to pay a joining fee to apply for the Utkarsh SmartGen credit card?

    No, there is no joining fee for the Utkarsh SmartGEn credit card, making it a cost-effective option for new users.

  • Can Non-Resident Indians (NRIs) apply for the Utkarsh SmartGen credit card?

    No, the NRIs cannot apply for this credit card. This card is only available to Indian residents.

  • Will I be charged for opting for an add-on credit card for Utkarsh SmartGen?

    No, you will not be charged for opting for an add-on credit card for Utkarsh SmartGen.

  • Will I have to submit any additional documents to apply for Utkarsh SmartGen credit card?

    No, you will not have to submit any additional documents to apply for Utkarsh SmartGen credit card.

  • Can I get a waiver on my second-year annual fee for the Utkarsh SmartGen credit card?

    Yes, you can get a waiver on your second-year annual fee for the Utkarsh SmartGen credit card by spending Rs. 50,000 or more in the previous year.

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
Articles on Credit Card
  1. How to Check Credit Card Status
  2. How to Manage Multiple Credit Cards
  3. Best Credit Card for Poor Credit
  4. How to get Credit Card without Job
  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
  8. Advantages & Disadvantages of Credit Card
  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
Disclaimer
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Explore More:

Credit Card:

Credit Score:

Personal Loan:

Home Loan:

Fixed Deposit:

Calculator:

Learn More:

Others:

Mobile Apps:

  • Google play
  • Apple Store

Contact Us:

Follow Us:

Copyright © 2025 BankBazaar.com.